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This Author published in this journals
All Journal Studia Ekonomika International Journal of Management, Accounting & Finance International Journal of Business, Marketing, Economics & Leadership
Moh Zalmi Kahardani
STIE Kasih Bangsa
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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From Trust to Transparency: A Systematic Qualitative Review of Regulatory, Ethical, and Organizational Challenges in AI-Driven Letter of Credit Automation Moh Zalmi Kahardani; Erwin Santosa
International Journal of Business, Marketing, Economics & Leadership (IJBMEL) Vol. 3 No. 2 (2026): May: International Journal of Business, Marketing, Economics & Leadership (IJBM
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbmel.v3i2.461

Abstract

This study presents a systematic qualitative literature review examining regulatory, ethical, and organizational challenges in the adoption of artificial intelligence (AI) for letter of credit (LC) automation in trade finance. Synthesizing prior interdisciplinary research, the review finds that AI technologies—such as machine learning and natural language processing—offer substantial efficiency, accuracy, and transparency gains in documentary credit examination. However, these benefits are constrained by regulatory uncertainty stemming from legacy legal frameworks, ethical concerns related to algorithmic opacity, bias, and accountability, and organizational challenges involving trust, governance, and workforce readiness. The findings highlight that AI-driven LC automation constitutes a socio-technical transformation rather than a purely technological upgrade, requiring alignment between evolving regulation, responsible AI governance, and organizational change management. This study contributes to the trade finance and digital transformation literature by providing an integrated perspective on how transparency can be institutionalized without undermining trust in automated financial decision-making
The Interplay of Capital Structure and Investment under Uncertainty: A Qualitative Synthesis of Structural Models and Empirical Evidence Erwin Santosa; Moh Zalmi Kahardani; Moh Trisamanta
International Journal of Management, Accounting & Finance (KBIJMAF) Vol. 3 No. 3 (2026): July: International Journal of Management, Accounting & Finance (KBIJMAF)
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/kbijmaf.v3i3.478

Abstract

This qualitative literature review explores the dynamic relationship between capital structure and investment decisions under uncertainty. Drawing on structural models such as real options and dynamic trade-off theories, as well as empirical studies across diverse economic contexts, the paper synthesizes how firms adapt financing and investment strategies in response to market volatility, policy shifts, and financial constraints. The findings reveal that uncertainty often prompts delayed investment and a preference for financial flexibility, though firm responses vary based on growth potential, credit access, and institutional environments. By integrating theoretical frameworks with empirical evidence, this review highlights key mechanisms and limitations in current scholarship, offering a foundation for future interdisciplinary research
Dari Kesiagaan Menuju Kinerja Global: Tinjauan Literatur Kualitatif atas Jalur Strategis Internasionalisasi UKM melalui Kesiagaan Kewirausahaan dan Kapabilitas Dinamis Moh Trisamanta; Erwin Santosa; Moh Zalmi Kahardani
Studia Ekonomika Vol. 24 No. 2 (2026): July: Studia Ekonomika
Publisher : STIE KASIH BANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/studiaekonomika.v24i2.479

Abstract

This qualitative literature review explores the strategic pathways through which entrepreneurial alertness and dynamic capabilities contribute to the international performance of small and medium enterprises (SMEs). Drawing from recent conceptual and empirical studies, the review highlights how opportunity recognition (alertness), decision-making logics (causation and effectuation), and dynamic capabilities (sensing, seizing, and reconfiguring) interact to support SMEs' global expansion efforts. The findings indicate that internationalization is not a linear process but a dynamic interplay of cognitive, strategic, and organizational elements. This synthesis contributes to the theoretical integration of entrepreneurship and international business literature and provides practical implications for SME managers and policymakers seeking to enhance global competitiveness through adaptive capability-building strategies.
Paradigma Berbasis Bukti dalam Kewirausahaan: Analisis Kualitatif atas Praktik Meta-Analisis dan Standar Pelaporan Akademik Moh Trisamanta; Moh Zalmi Kahardani; Erwin Santosa
Studia Ekonomika Vol. 24 No. 2 (2026): July: Studia Ekonomika
Publisher : STIE KASIH BANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/studiaekonomika.v24i2.480

Abstract

This qualitative literature review explores the emergence of evidence-based paradigms in entrepreneurship research by analyzing the role of meta-analytic practices and academic reporting standards. Drawing on recent scholarly contributions, the study examines how systematic reviews and meta-analyses contribute to the accumulation of robust, generalizable knowledge in entrepreneurship. It also investigates the influence of frameworks such as PRISMA and APA's Journal Article Reporting Standards (JARS) on methodological transparency and replicability. Findings reveal that while meta-analysis offers significant insights, its rigor depends on adherence to evolving reporting protocols and quality assessment tools. The review highlights gaps in current practices, particularly related to publication bias, heterogeneity, and ethical transparency. It calls for enhanced integration of evidence-based principles to strengthen the bridge between academic knowledge and entrepreneurial practice.
Co-Authors Erwin Santosa Moh Trisamanta